natural disaster in this country it is the private insurance industry that steps up as first line of defense. neil: it might be, but after katrina we learned that 140 million of up front federal money given, i don't know what happened to the other 100. maybe it did go out to other areas, and structures -- but that is the wrap against the large sums, you subscribe to 10% loss and abuse of moneys, contractor rule. then by thatting thamath, a gool will never reach the intended folks. >> you are right, the answer is two-fold, you are not throwing out the baby with the bag water. you -- bath water, you need fema and government assistance for a mass disaster on the other hand there has to -- >> money directly to people rather than an intermediary. >> i think you are right, it is an administrative issue, it is how you administer akin program like this. we, at bp got it out fast and right with minimum overhead, that is what ought to be done in a case like this. neil: you have to make tough judgment calls, right, in the case of you, 9/11 that a broker who died on 9/11, his potential earnings going fo